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TERMS AND CONDITIONS

GENERAL TERMS OF USE

About these Terms of Use

Your use of our website, Portal and email services is subject to your accepting and
complying with our terms of use.
These terms of use constitute a contract between you and Prescient and govern the use of
this Portal. You may not use the Portal unless you agree to abide by these terms of use. You
will signify your agreement with these terms of use and to be bound by them if you use this
Portal in any way.
Should you not be in agreement or wish not to be bound by these terms and conditions, you
must refrain from using this Portal.
Any reference to “Prescient” shall mean Prescient Holdings (Pty) Limited, and any of its
subsidiaries and affiliates, worldwide. Without loss of generality, this includes,
but is not limited to Prescient Investment Management (Pty) Ltd, Prescient Fund Services (Pty) Ltd,
Prescient Management Company (RF) Pty Ltd and HangalaPrescient Holdings (Pty) Ltd
and its subsidiaries. Any reference to the “Portal” shall mean the online platform made available by Prescient.
It is not unique to a single look and feel, branding or URL. Similarly, any references to“Portal account” shall
mean the credentials by which a user logs into, and obtains access to, the Portal.

Changes to Terms and Conditions

Prescient reserves the right, in our sole discretion, to amend these terms and conditions at
any
time, in any way and from time to time. It is your responsibility, as user of the Portal, to
review
the terms and conditions regularly and to ensure that you agree with any amendments made. If
you do
not agree, please discontinue to use this Portal.

Copyright and Trademark Notice

This Portal and its content are owned by Prescient or its licensors and are protected by
copyright
and other intellectual property laws. The trademarks, logos and service marks (‘marks’)
displayed on
this website are registered. All rights not expressly granted are reserved.
You may print or download materials from this website for your personal, non-commercial use
provided
that:

no materials are modified in any way;

graphics are used separately from accompanying text;

our copyright and trademark notices appear in all copies and you acknowledge this Portal
as
source of the material; and

if you have received Prescient’s permission to provide these materials to another
person, you
ensure that they are made aware of these restrictions.

Limitation of Liability

Your use and reliance on this website is entirely at your own risk. The website is provided
“as is”
and “as available”. The information contained in this website is given for general
information and
interest purposes only. We shall not be liable in respect of any loss, damage or damages
however
arising and whatever the cause, in particular pursuant to and in furtherance of these terms
of use,
your access to the website and from your inability to access the website. We do not accept
any
liability for any acts or missions resulting from your decision or opinion formed on the
basis of
your use of the website. Use of the website is at your sole risk. We shall not be liable for
any
loss or damage whatsoever and howsoever arising as a result of your use of the website to
the
maximum extent permitted by law. We do not guarantee that this website will be available all
the
time or at any specific time, that access will be uninterrupted, that there will be no
delays,
failure, errors or omissions or loss of transmitted information. We shall not be liable to
you for
any physical loss or damage to our computer as a result of your use of the website,
including any
damage arising as a result of a virus. You have sole responsibility for adequate protection
and back
up data and/or equipment.

The Financial Advisory and Intermediary Services Act, 2002

Prescient is an authorised financial services provider in terms of the South African Financial Advisory
and
Intermediary Services Act, 2002 and is a member of the Association for Savings and
Investment South
Africa (‘ASISA’).

Other Legislation and Other Jurisdictions

Prescient is licensed under a number of pieces of legislature, both in South Africa and outside of
South Africa. Please contact your nearest Prescient office for details on prevailing legislation
and any licenses held by Prescient companies.

Information and Content

The information contained on this Portal is not intended to constitute a
recommendation, guidance or proposal with regards to the suitability of any product in
respect of
any financial need you may have. All information contained on this Portal should not be
construed,
or relied upon, as advice. Any information on this website is not intended to provide nor
does it
constitute financial, tax, legal, investment, or other advice. If you require financial
and/or
investment advice, please engage the services of an independent financial advisor.

Portal Disclaimer

The maintenance and integrity of this Portal is the responsibility of Prescient. By
accessing the
materials made available by Prescient on this Portal, you agree to be bound by all the terms
and
conditions, which may change from time to time.
While every effort has been made to ensure the accuracy of information contained on this
Portal,
Prescient and its directors, officers and employees provide no representation or warranty,
expressed
or implied, regarding the accuracy, completeness or correctness of information contained
herein.
Prescient has taken and will continue to take care that all information, insofar as this is
under
its control, provided on this Portal is true and correct. However, Prescient shall not be
responsible for, and therefore disclaims any liability for, any loss, liability, damage
(whether
direct or consequential) or expense of any nature whatsoever which may be suffered as a
result of or
which may be attributable, directly or indirectly, to the use of or reliance upon any
information,
links or service provided through this Portal.

Online Transacting

The use of this Portal constitutes a contract between you and Prescient. An agreement is thus
concluded between you and Prescient and you are deemed to have accepted the terms of use
each time
you visit or use this Portal or register for and/or login to your Portal account.
Your acceptance of these terms of use will be deemed to have taken place at the nearest Prescient head office, as listed on
the Prescient Website.
Prescient may change the terms of use from time to time. You acknowledge that by accessing
the
Portal from time to time, you will be bound by the current version of the terms and
conditions
available on the Portal and all previous versions shall be superseded by the current
version. We may
change these terms and conditions to cater for amendments to applicable legislation and/or
changes
in our business needs (amongst other things).

Your Login Details

Your login details serve as your key to access your Portal account and as your signature for
purposes of all actions performed or instructions submitted on your Portal account. The
submission
of an instruction using your login details shall constitute and have the same effect as a
written,
signed authority.
It is extremely important to protect your login details and keep them secret at all times.
You
undertake to ensure that your login details are not:

easily accessible;

disclosed to any third party; nor

the same as those you use for any account (whether online or otherwise) with any third
party.

Using your login details represents a valid and binding electronic signature and therefore
forms the
basis for us to:

enable you to access the information permitted by your Portal account; and

act on your instructions.

You remain responsible for any activities that occur on the Portal where your login details
have
been used to gain access.
If you suspect that the secrecy of your login details has been compromised, or that someone
has
fraudulently accessed the Portal or submitted a fraudulent instruction on your behalf, you
must
notify us immediately. Prescient reserves the right in its discretion to reject any
instruction
received after such notification, or to suspend the processing of all instructions received
after
such notification, or to deactivate the login details with immediate effect from the time of
notification.
Where there has been, or suspected to have been, fraudulent access to, or a fraudulent
instruction
submitted via the Portal, you will give us your full co-operation in any investigation we
may carry
out.

Terminating your Access to the Portal

We reserve the right to terminate your access to the Portal at any time without notice and
without
providing reasons for the termination. Reasons for the termination may include that:

Submitting Instructions via the Portal

all information provided and all supporting documents signed by you in connection with
the
instruction, whether in your handwriting or not, are current, accurate, true, and
complete;

you are legally capable, entitled and authorised to submit the instruction; and

you have complied with all applicable statutory provisions

Prescient is entitled to, and shall, regard all instructions submitted through your login
details as
having actually originated from you.
You agree that the physical, digital, electronic or similar records held by Prescient of all
instructions received via the Portal or physically will constitute prima facie evidence of
the
contents of the instruction. You confirm that Prescient may accept signed instructions by
electronic
means.

Use of the Portal by Financial Advisors

Where you are a South African Financial Advisor and you use the Portal to access your clients' information
or to
submit an instruction on a client's investment, you hereby warrant that you are an approved
financial services provider registered with the Financial Services Board, with the
appropriate
product sub-categories as defined in the relevant Codes of Conduct issued in terms of the
FAIS Act,
and that you hold either:

in respect of a category I licensed financial services provider, your client's express
consent and
authorisation to submit each particular instruction through the Portal on their behalf;
or

in respect of a category II licensed financial services provider, a signed discretionary
client
mandate authorising you to submit instructions on their behalf.

Should you be a Financial Advisor not operating in South Africa, you hereby warrant that
you are an approved financial services provider in the jurisdiction in which you are operating,
holding the necessary licenses, approvals and / or qualifications applicable to whatever capacities
in which you are operating.

Prescient reserves the right to review your license and/or to audit or request copies of
your client
mandates and/or client consents (whichever applicable) for instructions that you have
submitted
through the Portal at any time. This right is irrespective of the jurisdiction in which you are operating.

E-MAIL LEGAL NOTICE

Confidentiality Warning

The contents of any email and any accompanying documentation are confidential and may be
subject to
legal privilege and client confidentiality. Any use thereof, in whatever form, by anyone
other than
the addressee is strictly prohibited. If you are not the intended recipient of an email or
facsimile,
kindly notify the sender by return email, facsimile or telephone, as well as deleting it
from your
system. You may not copy the email or disclose its contents to any other person, without our
express
written consent.

Important Information

Prescient has taken and will continue to take care that all information provided in this
email is
true and correct, in so far as this is under Prescient’s control. Prescient does however,
not
warrant that this email, the content provided or information contained therein will be
error-free or
will meet any particular criteria of accuracy, completeness or reliability of information,
performance or quality and disclaims any liability for, any loss, damage (whether direct or
consequential) or expense of any nature whatsoever which may be suffered as a result of or
which may
be attributable, directly or indirectly, to the use of or reliance upon any information,
links or
service provided through this email. Prescient cannot and will not be held liable for any
harm or
loss resulting from viruses in this email or accompanying documents, including data
corruption
resulting therefrom. Prescient disclaims liability or legal responsibility for the
non-delivery or
incorrect delivery for whatever reason of the contents of this email, its effect on
electronic
devices or its transmission in an unencrypted medium.

Personal Use by Employees

Prescient is not able to distinguish between business and personal emails. Users who make
use of
Prescient's email system do so at their own risk and accept responsibility for any actions
or
consequences that arise from such personal use. Any views or opinions expressed in such
emails are
those of the individual sender and do not necessarily create obligations on or represent any
commitment or view by, or opinion of Prescient. If you are unsure of the content or
information
contained in an email, it is advised that you seek written confirmation from Prescient
before
relying on the content and/or information. If an email contains offensive, derogatory or
defamatory
statements or materials, it means the email has been sent outside the sender's scope of
employment
with Prescient and therefore only the sender can be held liable in his/her personal
capacity.

Electronic Communications

By communicating with us through electronic means, you consent to receiving communications
electronically and agree that all agreements, notices, disclosures and all other
communications
transmitted by electronic means satisfy any legal requirement, including but not limited to
the
requirement that such communication should be in writing. Unless otherwise agreed, we are
only
deemed to have received an email once we have confirmed receipt thereof and we are only
deemed to
have sent an email once reflected as 'sent' on our email server.
Prescient shall not be liable if any variation is affected to any document or correspondence
emailed
unless the variation has been approved by the sender thereof. Prescient cannot be held
liable for
any harm or loss resulting from viruses in any message or attachments, including data
corruption
resulting therefrom. Prescient therefore disclaims liability or legal responsibility for the
non-delivery or incorrect delivery for whatever reason of the contents of this message, its
effect
on electronic devices or its transmission in an unencrypted medium.

PRIVACY POLICY

Personal Information

In general, you can visit our Portal without having to divulge any personal information
about
yourself. However, while using this Portal you may provide information about yourself or it
may be
collected by us.
You may update personal information at any time by e-mailing Prescient. You may also view
your
personal information that we hold and correct it if necessary on written request to
Prescient.
Access to your personal information held by Prescient may also be requested by yourself or
third
parties. For South African jurisdictions, the Promotion of Access to Information Act, 2 of 2000 regulates and sets out the
procedure for such a request and under what circumstances such access may be refused. For other jurisdictions,
different legislation may apply and should be consulted.

Use of Information

Personal information is used as is appropriate in the normal course of business to provide
the
products and services you have requested. We may retain any information for purposes of
investment
transaction processing and administration, to monitor our site or to communicate directly
with you.

Sharing of Information

All personal information supplied to Prescient or collected by us is kept strictly
confidential and
will not be given or sold to any third parties. Prescient will disclose or report personal
information if and when required to do so by law or any regulatory authority, and to our
employees,
or agents who require such information to carry out their duties.

Security of Information

We take all reasonable steps to protect your personal information, including the use of
encryption
technology. We can however not guarantee the security of any information you transmit to us
electronically and you do so at your own risk.

Forgotten Password

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